Press Release

National Insurance Commission (NIC)

IMPLEMENTATION OF THE MOTOR INSURANCE DATABASE (MID)

The National Insurance Commission (NIC) which is the Regulatory and Supervisory Body of the
Insurance services sector with a broad consumer and prudential regulatory mandate under Section
2(3) of the Insurance Act 2006, (Act 724) wishes to bring to the notice of the general public that it has
commenced the implementation of the Motor Insurance Database (MID), effective 1st January 2020.
The objective of the introduction of the Motor Insurance Database (MID) is to curb the menace of
vehicles with fake motor insurance stickers plying our roads, thus endangering lives and property.

The attention of the general public is hereby being drawn to the following key features of the Motor
Insurance Database (MID):
Confirmation Texts
Upon the purchase of a valid Motor Insurance Policy, the insured will receive a text message
confirming that the Motor Insurance policy is authentic. The following is a sample of the confirmation
text message:
Status: Insured
Class: Comprehensive
Period: 01/01/2020 to 31/12/2020
Company: ABC Insurance Company
Reg.: GT-7771-17
Prem: GHS 00,000.00
From: National Insurance Commission

How to Check the Authenticity of a Motor Insurance Policy Using a Mobile Phone

Members of the general public can verify the authenticity of a Motor Insurance Policy by dialing a
USSD code as follows:
Dial *920*57# and follow the instructions
The following is a sample of the output of the USSD check:

Reg.: GT 3456 – 20
Insured?: Yes
Make: Toyota
Model: Matrix
Color: Red
Inception Date: 01/01/2020
Expiry Date: 31/12/2020
Insurer: Name of the Insurance Company
From: National Insurance Commission
 Please Note
This functionality allows an individual to verify whether a vehicle has a valid insurance before
boarding it. The Police can also use this functionality to verify the authenticity of a Motor Insurance
Sticker.

QR Code Scan
The MID comes with electronic Motor Insurance Stickers with QR Codes which are generated from
the MID Portal. The QR code can be scanned with a QR Code Reader to verify the authenticity of the
sticker and for that matter the insurance policy.

The following is a sample of the output of a QR Code scan:

Reg.: GT 1234 – 20
Make: Toyota
Model: Matrix
Color: Red
Inception Date: 2020-01-01
Expiry Date: 2020-31-12
Sticker Number: STPRT11111111111111
From: National Insurance Commission

Electronic Motor Insurance Sticker

Below is a specimen of the enhanced ‘look and feel’ of the new Motor Insurance Sticker for the
attention of Members of the general public:
 Important Note!
Old Insurance Stickers No Longer Valid
Please note that the Old motor insurance stickers are NO longer valid. In other words, any Old motor
insurance sticker issued after Monday 20th January, 2020 is illegal and must be rejected by
Members of the insuring public.
All Insurance Companies have been authorized to upload all motor insurance policies issued prior to
20th January, 2020 on to the database. This will enable the Police and the general public verify with
accuracy the authenticity of such Motor Insurance Policies.

What to Expect in the Coming Days

In the coming days, the NIC in collaboration with the Motor Traffic & Transport Division (MTTD) of the
Ghana Police Service will be conducting random checks across the country to ensure effective
implementation.

For Enquiries: Call us on 0302 960659 or 0302 960696 or Email: complaints@nicgh.org /

info@nicgh.org

Issued by: THE NATIONAL INSURANCE COMMISSION (NIC)